Flood Insurance: Reform of Flood Re

Debate between Max Wilkinson and Emma Hardy

Wednesday 1st July 2026 Commons Chamber

[Emma Hardy]

I echo my hon. Friend’s gratitude to flood wardens and volunteers all over the country, and I know how much this issue means to her. I am delighted that Flood Re is halving the premium that it charges for contents-only insurance for the 45% of homes in council tax bands A and B. It will be reduced to £25 a year from April 2027, which will make a huge difference to the cost of living.

[Max Wilkinson (Cheltenham) (LD)]

Might the Minister be able to say a few words about the increased number of flooding episodes in urban areas, especially those containing basement flats? My constituent Jackie ended up being done by her insurance company because its representatives could not make up their minds whether it was a storm or a flood. There was too much small print. The ombudsman could not stand up for Jackie, and she ended up £2,500 in the hole. I wonder whether Ministers could remind insurance companies of their duty not to lead people up the garden path, and to pay out when they should.

[Emma Hardy]

The hon. Gentleman is absolutely right: flood insurance companies should behave with integrity towards their customers. If he would like me to follow that up with the Association of British Insurers, I would be happy to do so.